Filing a Car Insurance Compensation: A Step-by-Step Guide
In the event of a car accident, understanding your RACV car insurance policy can provide peace of mind during a stressful time. Here's a breakdown of what you can expect from your RACV car insurance coverage.
Firstly, if your car is deemed a total loss, the outcome will vary depending on your policy. For Comprehensive and Complete Care policies, you may be paid the agreed or market value of your vehicle, subject to deductions, and your policy will terminate. With some RACV Insurance policies, you may even be eligible to have your vehicle replaced.
It's essential to review your car insurance policy annually, especially when you receive your renewal notice. By doing so, you can ensure you fully understand your level of cover, what you can claim for, and any exclusions to your cover. You can check these details through your RACV account online or refer to your Car Insurance Product Disclosure Statement (PDS).
After your claim is assessed, you may be required to pay an insurance excess before the claim is finalised and repairs can commence. The amount and types of excesses are outlined on your current Certificate of Insurance.
Throughout the claims process, you can receive updates on your claim progress via email or text message.
RACV Insurance offers additional services to cater to diverse needs. For instance, interpreter services and hearing-impaired services are available. [Link provided]
When it comes to repairs, RACV Partner Repairers use genuine parts (with some exceptions), and the workmanship on all authorised repairs is guaranteed for as long as you're the owner of the vehicle. If you've selected the Any Repairer Option or hold a Complete Care motor insurance policy, you have the freedom to choose your own repairer, provided they have the necessary equipment, skills, capabilities, licences, and authorisations required by law to complete the repairs to your vehicle.
All RACV Motor Insurance policies include access to RACV's extensive partner repairer network consisting of over 90 repair centres. To find which insurance brands offer RACV's partner repair network in Australia, you can visit RACV's official website or contact their customer service directly for a list of partner insurance brands.
Upon assessing your vehicle, an RACV partner repairer will inspect the vehicle to determine repair costs and provide a quote for any damages or repairs. The RACV Insurance team may also request additional information to support your claim, which can be provided online.
By understanding these key points, you're better equipped to navigate the claims process and make informed decisions about your car insurance coverage with RACV.
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